How Much Can I Contribute Annually to an HSA?

For 2022, the maximum annual HSA contribution is $3,650 for single coverage and $7,300 for family coverage.

The 2022 health savings account (HSA) guidelines were recently released by the Internal Revenue Service (IRS).

These guidelines outline the inflation-adjusted contribution, deductible, and out-of-pocket spending limits for Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs) for calendar year 2022.

Except for the annual contribution limit for self-only coverage, which increased from $3,600 in 2021 to $3,650 in 2022.

These limits are updated annually and reflect cost-of-living adjustments.

2022 HSA catch-up contributions (age 55 or older)

• $1,000 (no change from 2020)

2022 Maximum out-of-pocket limitations for HSA eligibility:

• $7,050 for individual coverage 
• $14,100 for family coverage 

2022 Minimum deductible requirements for HSA eligibility:

• $1,400 for self-only coverage (no change from 2018)
• $2,700 for family coverage (no change from 2018)

2022 HSA contribution limits

• $3,650 for individual coverage (up $50 from 2018)
• $7,300 for family coverage (up $150 from 2018)